Ready To Buy Or Refinance Your Home? We Are Here To Help.

Currently Recruiting Mortgage Loan Officers

Are You Ready To Work With A Highly Trusted Mortgage Company?

Welcome To Hometown Lenders, Inc. Ridgeland, MS Branch

We Are Currently Recruiting Mortgage Loan Officers To Serve our Clients Nationwide

Who We Are
Hometown Lenders, Inc. is a fully integrated, multi-channel mortgage lender. We are a closely-knit, professional organization committed to providing the highest level of customer service through highly experienced loan consultants utilizing the most innovative technology available.

HomeTown Lenders, Inc is currently looking for a self-driven and experienced candidates to join our experienced, tight-knit and growing team as a Mortgage Loan Originator. What does it take to be an MLO? You’ll develop new business opportunities and sales leads by cultivating relationships with realtors, builders, bankers, etc. and have a strong problem solving and organization skill set with an emphasis on customer service! If this sounds like you, don’t hesitate to apply today!

Role and Responsibilities:
– Structure mortgage loans for customers
– Build relationships with referral partners in the market
– Coordinate with the team to make sure the job is completed efficiently
– Solicit self-generated contacts for residential mortgage loans in order to meet production goals.
– Participate in community events to identify and promote mortgage products.
– Continually expand referral base as needed to maintain sufficient production goals.
– Perform all lending activities in compliance with federal and state laws, rules, and regulations, comply with internal company policies and procedures.
– Maintain positive working relationships with other internal departments and staff.
– Acquire, maintain, and incorporate a full knowledge of mortgage loan products and services offered to include, rate, terms and collateral requirements of each product.

– A minimum of 1 year of mortgage lending experience
– Or willing to obtain your MLO license
– Hold a current mortgage loan originator license in the NMLS for one or more of the following states: Alabama, Arkansas, California, Florida, Indiana, Illinois, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, New Mexico, Texas, or Virginia. 
– Ability to effectively communicate and present complex financial information while fielding and responding to questions from applicants, support staff, and management
– Ability to pass a required Background Check
Demonstrated ability to manage a large pipeline of clients with outstanding customer service and support.

How Do You Get Paid?
As an entry-level loan originator, you will be able to make up to 100 bps (1%) per loan. So, what does this mean for you? Let’s break it down.

Let’s say your buyer is getting a home mortgage loan for $200,000. Your commission equals up to 1% of that $200K. The breakdown looks like this: $200,000 x 1% = $2000.

An average entry-level loan officer typically closes 2 – 3 deals per month and potentially more… depending on YOU!

Benefits Offerings:
– A great operations team that will work with you and borrowers to ensure a great loan closing process
– Competitive compensation
– Fantastic array of loan products
– Health, Vision, and Dental insurance
– Company matched 401(k) retirement plan
– Array of Voluntary Benefits like Short Term Disability, Long Term Disability, Cancer, Critical Illness, Accident, etc.

Hometown Lenders, Inc. & Hometown Lenders, Inc. – Ridgeland, MS Branch provide equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

A Diverse and Comprehensive Line of Loan Products to Fit Everyone's needs.


Down to a 500 Credit Score

with 10% Down Payment

Down to a 580 Credit Score

with 3.5% Down Payment


Down to a 620 Credit Score


Down to a 500 Credit Score

Contact Us Today For Your VA Loan

FHA 203K Loans

Down to a 620 Credit Score


Down to a 620 Credit Score

*With $0 Down Payment

Jumbo Loans

Down to a 620 Credit Score


Mobile Home Loans Available

Down Payment

Help May Be Available!

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HomeTown Lenders, Inc. Logo | HomeTown Lenders Mortgage Team | Jackson MS Mortgage Lender | Nationwide Mortgage Lender

Home Loan Pre-Qualification Inquiry

HomeTown Lenders, Inc. Logo | HomeTown Lenders Mortgage Team | Jackson MS Mortgage Lender | Nationwide Mortgage Lender

Home Loan Pre-Qualification Inquiry

About You
Pre-Qualification Questions
Final Questions

Thank you for choosing HomeTown Lenders for your home loan mortgage needs. One of our team members will contact you within the next 24 hours. In case of weekends or holidays, we will contact you the next available business day.


Special restrictions and guidelines for bad or poor credit.

All loans FHA, VA, USDA:

  1. FHA –  Minimum loan amount 200K
  2. Alternant trade lines ( utility bill, child care, insurance etc) 12 month history no late payments
  3. BK 7 Discharge over 2 years.  BK CH 13 3 years from file date
  4. Foreclosures over 3 years  
  5. Verifiable Rental history 12 months no lates (Cancel checks, money orders or by management company)
  6. 3 Months of reserves ( 3 months payments in reserves . example in bank, 401k etc)
  7. No excessive late payments in the past 12 months
  8. No Mortgage lates

On FHA with Credit scores less than 580

  • 90% LTV(Loan to Value) with 10% Down payment .

On VA with Credit scores less than 580  

  • 3.  100% LTV(Loan to Value) NO Down Payment

 On USDA with Credit scores  of 580-619

  • 100% LTV(Loan to Value) NO Down Payment


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